- Home
- Best Home Warranty Companies
- Choice Home Warranty review
Choice Home Warranty Review 2026
By the DigitalTop10 editorial team · Updated October 2026
Our take
Choice Home Warranty keeps things simple: two plans, one service fee, and coverage for both home systems and appliances for under $70 a month. Its Total plan covers the big-ticket items most people worry about, including the AC, refrigerator, washer and dryer.
You can’t pick your own technician, so you’ll rely on Choice’s contractor network. If you want a straightforward plan at a fair price, it’s a strong place to start.
Pros
- Systems and appliances in one plan for under $70 a month
- Up to $3,000 per covered item
- Covers drywall damage caused by repairs
- No home inspection, 24/7 claims and a 30-day refund window
Cons
- The Basic plan leaves out AC, refrigerator and laundry
- You must use Choice’s contractors
- Paying monthly adds a $2.50 fee
Plans
Choice offers two plans. Prices vary by state and home.
| Plan | What it covers | Typical price |
|---|---|---|
| Basic | Core systems like heating, plumbing and electrical, plus kitchen appliances. No AC, refrigerator or laundry. | About $49–$60/mo |
| Total | Everything in Basic, plus AC, refrigerator, washer and dryer | About $58–$68/mo |
| Add-ons | 11 optional extras for items the base plans leave out | About $3–$15/mo each |
How a claim works
- File a claim online or by phone, any time of day.
- Choice sends a technician from its contractor network.
- You pay the $100 service fee when the technician arrives.
- Covered items are repaired or replaced, and Choice may offer cash instead if a replacement isn’t possible.
How Choice compares
See all 10 →#1 Choice vs. #2 American Home ShieldChoice is simpler and cheaper. AHS has higher limits.Compare →#1 Choice vs. #3 AFCAFC lets you pick your technician. Choice has higher per-item caps.Compare →#1 Choice vs. #4 CinchCinch has a longer repair guarantee. Choice has one flat $100 service fee.Compare →
The bottom line
For most homeowners who want systems and appliances covered without a complicated menu of plans, Choice Home Warranty’s Total plan is our top pick. If you want to choose your own technician, compare #3 AFC first.